1044 Reserve Dr, Elgin, IL 60124 Property Records

Kane County property record for 1044 Reserve Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,626 sqft · built 2004
Lot Size	0.29 acres (1,276 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Jan 2026)
Tax Bill	$5,976 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`06-29-426-021`

Property Details

APN / Parcel Number

Primary APN	`06-29-426-021`
Alternative APN	`0629426004`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,439 sqft
Basement Area	813 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	1,276 sqft (0.29 acres)
Lot Dimensions	58 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1044 RESERVE DR
City	ELGIN
State	IL
Zip	60124-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE LOT 6 DESC IN DOC 2004K132905 DATED 10-13-04
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851912

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1425 E EVERGREEN DR, PALATINE, IL 60074-8723
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Warranty Deed, Transfer · Conventional Mortgage SUMMIT FUNDING INC
Apr 1, 2022	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jan 11, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2026 · Amount on Record
Deed Sale	Jan 5, 2026 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	2026156
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 5, 2026
Property Address	1044 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000000156
Instrument Date	Dec 10, 2025
Instrument	2026K000156
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1425 E EVERGREEN DR, PALATINE, IL 60074-8723

Mortgage

Document Number	0000000157
Date	Jan 5, 2026
Instrument	2026K000157

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.62%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 1, 2022
Property Address	1044 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000018068
Map Reference	DOC 2004K044951
Instrument Date	Mar 18, 2022
Instrument	2022K018068
Transaction Type	Transfer
Record Updated	Apr 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12950 S 86TH AVE, 12950, PALOS PARK, IL 60464-1819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 RESERVE DR, ELGIN, IL 60124-8828

Mortgage

Document Number	0000018069
Date	Apr 1, 2022
Instrument	2022K018069

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2037
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.12%
Index	Other
Margin	3
Max Rate	8.12%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 11, 2021
Property Address	1044 RESERVE DR, ELGIN, IL 60124-8828
Document Number	0000002425
Instrument Date	Oct 2, 2020
Instrument	2021K002425
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 RESERVE DR, ELGIN, IL 60124-8828

Mortgage

Document Number	0000002426
Date	Jan 11, 2021
Instrument	2021K002426

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2050

Interest

Rate	3.5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,976.00 (+4.4%) Homeowner's exemption	$86,344 (+8.57%) Land $20,940 Building $65,404	$259,136 (+8.57%) Land $62,845 Building $196,291
2024	$5,724.00 (+10.93%) Homeowner's exemption	$79,528 (+21.39%) Land $19,287 Building $60,241	$238,679 (+21.44%) Land $57,884 Building $180,795
2022	$5,160.00 (+4.69%) Homeowner's exemption	$65,512 (+6.96%) Land $15,888 Building $49,624	$196,536 (+6.96%) Land $47,664 Building $148,872
2021	$4,929.00 Homeowner's exemption	$61,249 Land $14,854 Building $46,395	$183,747 Land $44,562 Building $139,185

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T Fiber	1,000 / 1,000
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: Verizon.

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